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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Assets per participant exceed $250,000 - top-decile high-value plan.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $271,392 | $165,399+64.1% | $149,745+81.2% | $158,982+70.7% |
| Participation rate | 100.0% | 84.6%+15.4pp | 82.5%+17.5pp | 82.0%+18.0pp |
| Annual return | 21.94% | 348.34%-326.4pp | 276.72%-254.8pp | 302.99%-281.1pp |
| Employer contribution / active EE | $23,000 | $5,105+350.6% | $4,646+395.1% | $4,763+382.9% |
| Participant deferral / active EE | $19,297 | $7,183+168.7% | $6,843+182.0% | $5,983+222.5% |
| Admin fee / account holder | $2,139 | $10,811-80.2% | $9,312-77.0% | $11,252-81.0% |